Wells Fargo Credit Cards Reviews

The AI receptionist recites every fact known to man before you can interrupt. I called to pay off my $6.15 credit card balance after closing all other accounts. The representative asked how much would I like to pay. I should have said $6.14. Good riddance Wells Fargo!

Back on 3/1/2026 we booked a 5 night stay at Sandals and the price charged to our card was $6,433. That was only the actual charges for the resort as we booked our flights separately so that is almost $1,300 per night as we booked a relatively high-end suite. When we arrived to check in on 5/3/2026 (2 months after we booked the reservation and paid the full price) since we were in a relatively high-end suite we were provided with access to the Sandals Club concierge service and there were dedicated Sandals representatives to handle our check in.

I got the One Key by Wells Fargo credit card about six months ago. I spent $1,000 within two months to qualify for the promotional reward, which was advertised as $400 in “cash.” I did not realize at the time that the reward was actually tied to Expedia, but I was willing to accept that. However, after several months and numerous calls with both Expedia and Wells Fargo, I still have not received my reward. Whenever I contact Wells Fargo, they tell me that I need to resolve the issue with Expedia. When I contact Expedia, they blame Wells Fargo, claiming that Wells Fargo never sent them the necessary information. I have an excellent credit score and several other credit cards, and I have never experienced this level of difficulty with any financial institution.

Do not trust Wells Fargo and their dispute department. I bought a weed wacker online 149.00. I ended up with a receipt from pay pal. The next day I get a receipt from pay pal for 172.38. I try calling pay pal. Can't talk to anyone. I call Wells Fargo, Tell them this is fraud. They put in dispute. My account continue to show 172.38, I called talked to a supervisor and he said its ok, they don't need anything. So I get this form in the mail which is late. I make an appointment with a banker and he says can't help. I call to get email so I can send to correct place, never received a email. Wells Fargo is a nightmare.

Beware. They offered me a credit card. I filled out the application. They gave me 10,000.00 credit line. No interest 18 months. I charged it up to like 8000.00 taking advantage of the no interest then I paid it off in one payment! Three days later they froze my account telling me suspicious activity, I got nervous- Called the fraud dept and was told absolutely nothing and I would have to wait for a letter?… Are you kidding me, now I’m thinking are the rest of my cards in jeopardy. Fast forward ten days I get the letter. It says they want me to fill out an IRS form about my income. So I call them, tell them we are retired and what is the suspicious activity. Now I’m told no suspicious activity. They want to verify my income!,,,, Mind you I was approved. Had the card for six months then paid it off. I guess they figured they were never getting interest out of me and told me if I didn’t fill out the forms they would close my account!

Received my new credit card, set up all my auto pays. 6 weeks later received email notification that I just paid my GEICO insurance $811. Problem is I do not have GEICO and never did. Called within five minutes of the pending charge on my card, three days later and the charge is not pending anymore. It is a charge. Called Wells fargo back, asking why it went from pending to a charge and they said it was being investigated. I was under the impression if you called about a fraudulent charge immediately, and while it was still pending, it would not be processed through and take up to seven to 10 days for a resolution. I have two mortgages with them and two credit cards, not a good way to treat a long-term customer.

I have been a customer of this establishment since 2016. I submitted a claim, which was initially denied. Subsequently, I informed your team that the claim was no longer necessary as the merchant was processing a refund for the transaction. Despite this notification, funds were disbursed to me, resulting in an overpayment. Approximately three months later, a request for the return of these funds was issued, contradicting a prior denial letter stating that no payment would be sent. On March 3rd of this year, the overpaid amount was recovered by your organization. Currently, I am being asked to return these funds again, despite the fact that the case was officially closed two weeks prior, and any further correspondence was to be disregarded, as confirmed on a recorded call. I am seeking clarification regarding my legal options in this matter.

Add Vrbo credit card which was the same as Wells Fargo. Had problems with billing. That was not made by me. Or had problems with the company that overcharged. Contacted Wells Fargo credit card company. They did not back us at all contacted expedia, who they also deal with. They did not back us at hall. Neither did vrbo have cancelled every one of them. Would never recommend anyone to do business with any of them unless you wanna get screwed and lose your money. Ladies and gentlemen, I'd.

I was in Thailand. I had lunch at a tiny hole in the wall restaurant. The bill should have been $20 maximum. When I got home I saw that I was charged $450. To my dismay, Wells Fargo did not care about my issue because I did not have the receipt. I used my card everyday in Thailand. Wells Fargo Could clearly see the every restaurant bill was between $3 and $30. This Bill was more than my Hotel for 3 weeks. They didn't care. I dropped Wells as a Bank decades ago I now I am completely done.

I opened a new account was approved and immediately downloaded the app. They had an old phone number so therefore they could not text me a code so that I could change my password so that I could use the app. I called numerous times just to change my phone number answered all of the security questions and I was informed I had to go to a branch. There is no branch anywhere near where I live. Therefore I can't even use the card without them updating my phone number. I understand security but this is ridiculous when you answer all of the questions correctly I had every bit of information possible and they refused to change it. I told them I had no choice but to close the account then and they could have cared less. At this point I'm afraid to use the card with all of the bad reviews I just read.

I was sent an email stating they were decreasing my credit card amount from 16000 to 6000 without any warning or notification. I paid the balance and canceled the card. Wells Fargo is the worst company. I will never use them again.

I used this card to pay for my travel needs hoping that if anything would go wrong this card would protect my interests. That's what this card claims it would do. In reality their dispute department is a joke. The person I spoke with was less than informed about dispute procedures. I asked to talk to a manager and it wasn't much better. The manager told me that the disputed amount would be credited back to my account. It wasn't. When I asked why I can't see it they came up with some crazy theory about some other card. At this time I can't really figure out if they are that ignorant or just criminals who steals money.

It took 3 weeks to get my credit card with exceptional credit and direct deposit into my Wells Fargo account. They have all the information they need and still keep asking for pay stubs. Opened account on the 9th and sent me a statement on the 10th saying it was the first month. (One month that lasts one day?)

Their website for pre-qualification of credit card is broken and always state that "your credit file is frozen", even then they have been unfrozen for days. Called their custom service team and got transferred to their escalated service team, and they claimed that the website "https://web.secure.wellsfargo.com/credit-cards/yourinfo/" is not theirs and their website is "wellsfargo.com". Cannot believe how ignorant their escalated service team members are!

I closed my credit card with Wells Fargo this March 2026, and a Wells Fargo still charged me interest. Wow! When I opened my credit card with them it was no interest on my purchases, but later they started to charge me interest. The teller inside the Wells Fargo bank told me there will be no interest charged after I close my credit card. Wow! Be careful of Wells Fargo credit cards.

I am so disappointed in this institution! I received an offer to get a card with zero interest for 18 months. It all seems great until you try to pay the bill online. If you don't have a Wells Fargo checking account, you can't pay online or make auto payment. It's all done by snail mail! Ugh.

Is the customer service with my Wells Fargo Visa card the worst? Who knows, you can't get ahold of them. Onerous call trees, no prompts that match what you need service for, no option to speak with a live person, then after 20 minutes of labor, frustration, nonsense, transfers, holds, and tears, you are informed they can't handle your call right now, you will have to call back later, and it hangs up. If a spouse was the disrespectful and cruel, you would divorce them.

I applied for a Wells Fargo credit card for my business. Over a month and a half I had to call daily for updates and to find out that I needed to send in new documents or was missing something. It took them weeks to verify documents I had sent in when initially they said it would take 3 to 5 business days. When I would call back, they told me they were behind and it could take much longer.

I have cash, investments, mortgage and several WF branded credit cards. Their credit card agent are awful. Of the 8 various institutions I have credit cards with, this is by far the worst by a big margin. I have their credit cards only for 5 years and I think I am at the point of winding down given how disrespectful and incompetent their credit card dept is. Luckily, I have options so not an issue with being stuck with them.

Worst customer service on the planet. Talked to nineteen different people and still nothing got resolved. Cancelled my card and couldn’t be happier. Do yourself a favor and get a Capital One card. Very happy with Capital One.

1-Star Review – Wells Fargo’s Complaint Process Is a Sham Designed to Dismiss Customers. Wells Fargo’s handling of my billing dispute has been one of the most frustrating, dishonest, and dismissive customer service experiences I have ever encountered with a financial institution. After paying my credit card in full, bringing the balance to $0.00, Wells Fargo charged me $276.77 in interest days later. When I contacted customer service, representatives acknowledged that the charge did not appear correct, but said they lacked authority to fix it and instructed me to submit a formal complaint. I did exactly what I was told — twice.

Was offered the One Key credit card with a $400.00 key cash reward if I spent $1000.00 within the first month. After spending over $2000.00 on said card, I received no reward of any kind on my statements following so after two months I inquired with Wells Fargo customer service who said they could not help me with that. Both Amy and John said they would have to transfer me to a different company who handles that. What?? Then after transfer, A gal named Lucinda said she couldn't find my account by my card number! What?? So she said I had to call the very number I had originally had to call for Wells Fargo customer service!! Oh I had enough of that nonsense! I immediately called back to cancel my account! Not playing these games of false advertisement and incompetent workers! Wells and Fargo should be very Ashamed!!!

Received a credit card promotion from this bank and called to ask a question about the credit card clause and the lady told me that she is not allowed to answer the question about the credit card promotion. Not a professional employee and weird bank as well!

Well I’m facing financial hardship at this moment and I called customer service and the first lady Jessa was very sweet but I got switched over to a lady named Katie and she was very rude and nasty. Just downright heartless on my matter of struggle to pay my credit card, I asked if they had any repayment options and she was rude with giving them to me, and it wasn’t no type of helpful benefits for me to pay back what I owe, with limited income at this time. I’m willing to take care of my debt but to i treated like that was a no no for me. I’ll tell anybody to stay away from Wells Fargo credit card.

The Wells Fargo Attune credit card is largely worthless. They say it offers 4% back on an eclectic mix of categories, but you find that many of the businesses that logically fall into those categories apparently don't code them to Wells Fargo's satisfaction. 4% back on pet care -- but I got 1% on my vet's bill. 4% on entertainment and attractions -- but I got 1% on museum admission and 1% on music shows at a major local theater. Wells Fargo blames the way the venues code, but you don't know that in advance. Better to stick with a 2% guarantee. This card is pointless.

I had a Wells Fargo home improvement card and it offers zero interest for a home project but when you go to use it the companies they represent for your project find out you’re doing a zero interest loan they raise their price for the job. So I called Wells Fargo and was told they didn't control the supplier's pricing so what good is the zero interest. So I took a hit and canceled the card. After all what good is it if you're going to pay interest anyway.

Wells Fargo is institution behind Micro Center Credit Card. While perks are good when using card to purchase items at Micro Center (5% discount), the bank can be easily confused if you pay off a new purchase while paying off a promo on time. They applied the payment of a new charge to the promo amount resulting in confusion and finance charge. Imagine incurring finance charges even though you are on time or early in payment. I thought it got settled when I brought it to their attention. In fact I received a confimation letter approving the dispute.

This is the WORST experience I have had with a credit card company in over 20 years! Thankful I do not have money in this bank. I recently updated my contact information with Wells Fargo online for my 2 credit cards I have for them. When I logged in to pay on my account I noticed my rewards account had a name that I have not used in over 10 years linked to the account. After 4 weeks of misinformation by WF and their inability to remove that name that they changed without my authorization I closed out that account. What a cluster you know what. Not one person in the actual bank or on the phone could fix their mistake. They finally told me I would have to request a name change!!! Seriously? They didn’t get my approval to change it from the name I applied to their company in and change it.

Used the card and was told I had suspicious activity and they needed 2 years of my tax returns. I’ve had multiple credit cards over 10 years and never had this happen. I’m not willing to give them that info. Was hung up on 6 times and transferred 8 times. Most of them barely spoke English!

Had a Brilliant Earth financed ring, took out in the form of a credit card. 12 months same as cash with a 'low' APR thereafter. I was 1 MONTH past the 12 month period, and had paid down nearly half and was about to pay it off. I looked at my statement and they had charged $1120 in interest in 1 month! It took my balance up by over $1200!! I will NEVER again use WF for anything ever again.

This credit card is supposed to send you out merchandise with your reward points. 8 out of 10 times when ordering something on their merchandise site, after wasting time scrolling through the information and then placing the order, they tell you the next day or two they no longer have that merchandise. This is the absolute worst credit card ever I had and I have had many in the past. This is a total scam.

Wells Fargo is terrible. I've held one of their cards for several years, of course always paying my balance in full every month. My credit score is well over 800, in fact a FICO score of 827 as of today. And yet today when I applied for another one of their credit cards they declined me. It's clear that Wells Fargo doesn't want my business.

This is the worst credit card issuer I have ever used. Wells Fargo has taken $2,000 from my checking account and is refusing to apply it to my Wells Fargo new credit card account. Absolutely unacceptable! Wells Fargo are acting unethically; I will never do business with this bank again. I will share my experience with millions of people online, file a formal complaint with the State of Illinois and the Federal Consumer Protection Agency, the Better Business Bureau, and I will possibly file a class action lawsuit. If they took my money, chances are they might do the same with millions of other people across the nation. It's time to put a stop to this behavior. Stay away from Wells Fargo!

Wells Fargo credit cards, I had 2 of them. One was for $8500. The other one $2500 I had $995 on 1, and I had $95, on the other one. They decided to lower my credit line. Down to a $1000 and the other one to $300. My ratio was under 20%. On all my credit cards. Never, ever been late. Always pay all my credit cards on time. And this is what Wells Fargo's will do to you. So I paid the $95 and paid the 995. Dollars, And close the accounts. Where they're stupid, they're as stupid. Don't deal with this bank. Have a nice day.

My FICO is over 800. I was turned down for their Visa. After being transferred/given 4 diff phone numbers, a rep said "the ratio of credit bureau trades with a balance of $0 was too great." Meaning, I didn't owe enough money for them to make any $ off of me.

I applied for a promotional credit offer with a credit score over 700 and was approved for a small amount. It seems the promotional offers are a scam to get you to apply for a credit card. The amount they approve is unlikely to help with anything you are trying to accomplish. Instead of approving a credit history appropriate amount, they approve a jokingly small amount that is not helpful for anything. Try other cards first, this one is a joke.

Worst security ever. This company cannot be trusted. Your loyalty is of zero concern. I personally had to replace cards 7 times in a two year period because my identity was stolen. Out of 8 credit cards, Wells Fargo is the only one that I've experienced this with. Additionally, they allowed my wife to close my single account and open a joint account without my knowledge or approval. Run, run, run, away, this is a company with zero integrity.

I filed a dispute on a charge even had cancellation from company and they still took back provisional credit. It was cancelled that day the comapny still charged the card is why I disputed the charge and when I called they said there was nothing they could do

I applied for their credit card after I was prequalified, even though my credit score was high and I never missed a payment they still denied me and didn’t even give a reason. They messed up my credit. I will not recommend them to anybody and I will never ever try to do anything with them.

I had the need to dispute a processed charge for a purchase made from Aliexpress for $630.46 for an item that was never delivered. The dispute was submitted on March 20th and partially approved and credit issued on May 22nd. The total purchase involved a mixed payment from the Visa Credit card account ($544.32) and the associated rewards account ($86.14). Only the Credit card amount of $544.32 was credited. The remaining $86.14 from the Awards account was not credited back.